Harborstone CU
Headquartered in LAKEWOOD, WA. Analysis based on 189 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $157.2M.
Total 7(a) loans
189
Total approved
$157.2M
Average loan
$832K
States funded in
4
Charge-off rate
1.94%
FY2020–FY2023 cohort
Paid-in-full rate
18.45%
Average rate
8.43%
Average term
150 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 15 |
| 722513 | Limited-Service Restaurants | 10 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 7 |
| 623312 | Homes for the Elderly | 4 |
| 713940 | Fitness and Recreational Sports Centers | 4 |
| 721110 | Hotels (except Casino Hotels) and Motels | 4 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 4 |
| 114112 | Shellfish Fishing | 3 |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) | 3 |
| 424990 | Other Miscellaneous Nondurable Goods Merchant Wholesalers | 3 |
Top 10 states
| State | Loans |
|---|---|
| WA | 140 |
| OR | 40 |
| AK | 8 |
| ID | 1 |
Top franchise brands financed
10 franchise loans across 7 distinct brands.
| Franchise | Loans |
|---|---|
| Dairy Queen of the Pacific Nor | 3 |
| Kampgrounds of America | 2 |
| Signs by Tomorrow | 1 |
| Dairy Queen Operating Agreemen | 1 |
| Tire Factory/Point S | 1 |
| L&L HAWAIIAN BARBEQUE/L&L HAWA | 1 |
| Abbey Carpet & Floor | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.